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We are considering Pet Plan and was just at their site to get a quote. We do seem to spend a lot on routine care for our dogs such as tests, teeth cleaning, shots, etc.. Jenny has had 2 infections since we've had her, but they were both treated with antibiotics and she recovered in a day or so. As Karlin points out, you hope you never have to use the insurance so there's no point in worrying if you get your money back. Insurance is nothing more than managing risk. I have mixed feelings about buying the insurance v. having a pet savings account. Guess I'll have to talk to SWMBO about it.